Does Insurance Cover Roof Replacement in Florida?
Homeowners insurance typically covers roof replacement when the damage is sudden and accidental — such as from hurricanes, high winds, hail, or falling debris.
It usually does not cover damage from age, wear and tear, or poor maintenance.
How Insurance Decides Roof Replacement Claims
-
1
Inspection
Insurance inspects the damage.
-
2
Cause Determination
They verify it was caused by a covered peril.
-
3
Coverage Review
They review your policy limits and deductible.
-
4
Approval
If approved, insurance pays for the replacement minus your deductible.
-
5
Quality Replacement
Choose a licensed, insured contractor you can trust.
Florida law gives homeowners one year from the date of loss to file a property damage insurance claim — and roofs over 10 years old may only be covered at Actual Cash Value. Move quickly, and check your declarations page for Replacement Cost Value (RCV) coverage.